Net Operating Loss Carryforward Tracker

A net operating loss (NOL) occurs when your business deductions exceed your income. Under TCJA rules (for tax years after 2017), NOLs carry forward indefinitely but can only offset up to 80% of taxable income in any future year. This tool projects how many years it will take to fully absorb your NOL and calculates the cumulative tax benefit.

Current NOL Balance ($)

NOL Origin Year

Pre-NOL Taxable Income (annual projection) ($)

Annual Income Growth Rate (%)

Your Tax Bracket (%)

Additional NOL Loss Years (if any) ($)

NOL Type

Starting NOL Balance

Years to Full Absorption

Total Tax Benefit

NPV of Tax Savings (7% discount)

Year-by-Year Absorption Schedule

Year	Gross Income	80% Cap	NOL Used	Taxable Income	NOL Remaining	Tax Saved